Auburn, NY · Charter 988
NCUA · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in NY (n=59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
44
Asset Quality
88
Profitability
51
Liquidity
29
Efficiency
37
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Auburn, NY · Charter 988
NCUA · 4 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.89% | 0.50% | 0.77% | 0.90% | 0.93% | 0.98% | 0.99% | +22 bps | |
| Return on Equity | 8.41% | 7.54% | 4.28% | 6.38% | 7.21% | 7.33% | 7.96% | 8.03% | +165 bps | |
| Net Interest Margin | 3.23% | 3.25% | 3.36% | 3.46% | 3.62% | 3.66% | 3.72% | 3.77% | +31 bps | |
| Efficiency Ratio | 75.00% | 76.83% | 84.01% | 80.09% | 77.52% | 77.69% | 78.14% | 77.85% | -223 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.71% | -2.07% | -0.44% | -1.65% | 0.34% | 1.23% | 3.97% | 6.36% | +802 bps | |
| Loan Growth (YoY) | 19.41% | 17.13% | 13.90% | 9.57% | 6.88% | 4.14% | 10.80% | 14.26% | +469 bps | |
| Share Growth (YoY) | -3.60% | -3.32% | -1.15% | -2.77% | -1.63% | 0.01% | 3.55% | 5.86% | +863 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.31% | 0.09% | 0.07% | 0.03% | 0.24% | 0.11% | 0.08% | +1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.68% | 11.84% | 11.76% | 12.00% | 12.47% | 12.62% | 12.32% | 12.28% | +28 bps | |
| Net Worth / Assets | 11.68% | 11.84% | 11.76% | 12.00% | 12.47% | 12.62% | 12.32% | 12.28% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.82% | 33.67% | 33.34% | 34.14% | 35.66% | 35.06% | 35.68% | 36.85% | +271 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Auburn, NY · Charter 988 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 4 branches
Q2 2026
Return on Assets
0.99%
Rank 32 of 59
Net Interest Margin
3.77%
Rank 26 of 59
Efficiency Ratio
77.84%
Rank 38 of 59
Equity / Assets
12.28%
Rank 33 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.99% | 0.28% | 1.01% | 1.42% | Beats 46% | 32 / 59 | ||
| Return on Equity | 8.04% | 2.31% | 7.92% | 10.52% | Beats 51% | 29 / 59 | ||
| Net Interest Margin | 3.77% | 3.24% | 3.66% | 4.04% | Beats 56% | 26 / 59 | ||
| Efficiency Ratio | 77.84% | 63.53% | 74.15% | 82.44% | Beats 37% | 38 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.08% | 0.32% | 0.68% | 1.20% | Beats 88% | 8 / 59 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.28% | 10.94% | 13.05% | 16.06% | Beats 44% | 33 / 59 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.28% | 10.94% | 13.05% | 16.06% | Beats 44% | 33 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 36.85% | 40.49% | 57.59% | 78.86% | 22nd pctl | 46 / 59 | ||
| Loans / Assets | 31.65% | 33.06% | 50.92% | 63.03% | 20th pctl | 47 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||